MONEY MARKET
Consumer or Commercial account ideal for those who need only limited access to interest bearing balances.
• Interest bearing account (Call for current rate information)
• $1000 Minimum deposit to open
• Interest paid regardless of balance
• $5 monthly Service Charge for Balance below $1000
• $10 Excess Transaction Service Charge if more than 3 checks or 6 debits per statement cycle
• Federal law prohibits more than six (6) withdrawals in a statement period (one month), only three (3) of which may be third-party checks

STATEMENT SAVINGS
Ideal for customers who make regular deposits but only limited withdrawals
• Interest bearing account (Call for current rate information)
• $100 Minimum deposit to open
• Interest paid quarterly
• ATM card available upon request
• NO interest paid if balance is below $50
• $2 Excess Transaction Service Charge for each withdrawal over three (3) per quarter

CHRISTMAS CLUB
Special Account to help you put aside for Christmas
• $10 Minimum deposit to open
• Account balance must be transferred to another BOG account at maturity
• $25 early withdrawal penalty for account closed before maturity

CERTIFICATE OF DEPOSIT
Short tem or long term investments with a fixed interest rate.
• CD terms range from 30 days to 5 years
• Interest Rate fixed for the term of the CD
• Competitive Market Rates offered
• Penalty only if withdrawal before maturity
• Call or come by one of our offices to discuss CD rates and terms

IRAs
Individual Retirement Accounts provide retirement savings as well as tax savings.
• Variety of Terms and Rate Available for IRAs
• Call or come by one of our offices to discuss IRA rates and terms
• Always consult your Tax Advisor as to possible tax savings